If you qualify for one, a credit union may get you better credit card rates and more consumer-friendly features than you'd get from a traditional for-profit bank. NerdWallet helps you locate and compare credit unions' offerings in your area.

Credit unions are cooperative, community financial institutions that you typically have to qualify for based on your location, military status, association with other organizations, or by paying a small fee. Members enjoy below-average banking fees and better credit card and savings rates.

NerdWallet, previously mentioned for its general credit card comparison service, has a handy tool for finding credit unions in your area, by zip code or name. You can filter by qualification requirements as well as FICO credit score.

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In the results you'll find a list of credit unions and their credit card APRs, as well as other possible benefits over typical banks, such as: fee-free ATM networks, low late fees, and no foreign fees. NerdWallet can also help you avoid disadvantages of some credit unions, such as limited number of branch locations.